THE HEADLINE ON this column is obviously false. You cannot visit Scotland for $5 a day, unless you are a sheep, and even then you're going to spend more than $5 on Woolite. The headline was placed there only to garner your attention, much like the headlines in e-mails promising you smaller mortgage payments or guaranteeing larger…well, you know what I mean. The big question in this issue is how to afford a European incentive, and while I cannot definitively answer that question, I can ...

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